---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-25-000038"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2025-10-24T23:59:59+00:00"
generated_at: "2026-05-17T02:17:56.361330+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial Q3 EPS $1.65, up 27% YoY; dividend raised 4.6%

## Summary
- Diluted EPS $1.65 vs $1.30 YoY; net income $23.7M, up $5.0M or 27%.
- Net interest margin 3.20%, up 41 bps YoY; loans up 6.9% and deposits up 7.2% from Sep 2024.
- Nonperforming assets fell to 0.63% of total assets from 0.78% a year ago.
- Regular quarterly dividend increased to $0.65 per share, payable Nov 14 to holders of record Nov 7.
- Special Mention & Substandard loans rose to $144.2M from $96.8M, driven by two loans totaling $41.2M.

## SEC filing metadata
- accession: 0001005817-25-000038
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2025-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000038/0001005817-25-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000038/tmp-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-25-000038
- JSON: https://secwatch.observer/filing/0001005817-25-000038.json
- Plain text: https://secwatch.observer/filing/0001005817-25-000038.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.